Let's be clear: Your insurance company doesn't want you to understand your out-of-network benefits. The confusion is a feature, not a bug. It is a deliberate, profitable friction designed to make you give up and leave the money you are owed on the table.

You're a manager. You handle complex budgets and timelines for a living. But when you look at your insurance portal, you feel a familiar wave of Executive Function dread. It's one more project you don't have time for, another series of bureaucratic hoops to jump through. The thought of fighting them for reimbursement feels so exhausting that it almost seems easier to just eat the cost.

That feeling isn't laziness; it's a predictable response to a system designed to overwhelm you into submission. And the research confirms it: ADHD is an Executive Function Disorder, not a Behavior Disorder. The insurance company's deliberately confusing process weaponizes your EF challenges against you. It's a war of attrition, and their greatest weapon is making the process just complicated enough that your already overloaded brain waves the white flag.

Why This Fight Matters

Here's why you should fight anyway: the single greatest barrier to diagnosis is the prohibitive financial cost, with assessments running into thousands of dollars and rarely covered by insurance for adults. Every dollar you claw back through a superbill is a dollar that lowers this barrier — not just for this session, but for the next one, and the one after that. It's not just an administrative task; it's financial self-advocacy.

Self-advocacy in a broken system is not just an administrative task; it is a profound act of reclaiming your agency.

What Is a Superbill?

A "superbill" is not as complicated as they want you to think. It is simply a specialized medical receipt. It's the standardized document that translates the services you received into the bureaucratic language the insurance company requires. It is the key that unlocks the reimbursement door.

The Simple, No-BS, Step-by-Step Process

  1. Step 1: You Pay for Your Session. You'll pay your therapist directly at the time of service. This keeps the transaction clean and predictable — no surprises, no confusion, no neuroceptive threat.

  2. Step 2: We Send You the Superbill. At the beginning of each month, we will automatically email you a superbill that details all of your sessions from the previous month. It will contain all the necessary codes and information. This is automated — zero EF tax on you.

  3. Step 3: You Submit It to Your Insurance. You will log into your insurance provider's online portal and upload the superbill PDF to their "claims" or "reimbursement" section.

  4. Step 4: They (Eventually) Reimburse You. Depending on your specific out-of-network benefits, your insurance company will mail you a check or deposit money directly into your account, reimbursing you for a portion of what you paid.

It can be a slow process, but it is a straightforward one. It is a fight worth fighting. When you're ready: Start here →

Part of: Cost & Insurance → | Related: Our Sliding Scale · The Insurance Shell Game